Connecticut Property & Casualty Insurance — Requirements & Free Practice
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Insurance Producer (Individual)
Individual producer license for Property and Casualty authority, including amendment, exemption and reinstatement routes.
Licensing authority: Connecticut Insurance Department · Application information
Resident reapplication with discretionary recent license waiver
At least one of the following alternatives:
- Property and Casualty Producer (practice unavailable)
All of the following:
- Property Producer (practice unavailable)
- Connecticut Casualty Producer Examination
- Age
- At least 18 years old.
- Application
- Apply through NIPR after passing; pay required application and license fees; declare application statements true, correct and complete.
- Authority requested
- Both Property and Casualty lines of authority.
- Character
- No disqualifying acts under C.G.S. § 38a-702k; financially responsible and of good moral character.
- Distinction
- This route concerns a reapplication on discretionary former-license grounds; a license allowed to lapse and reinstated within 12 months has the separate statutory no-examination route.
- Education
- Complete approved prelicensing education: 20 hours for each line, 40 hours for Property/Casualty, or commissioner-approved equivalent experience/training. AAI, ARM, CIC or CPCU designation may waive coursework upon a current designation letter.
- Licensing scope
- A Certified Insurance Consultant examination does not qualify for a Producer license, as stated by the Department Producer (Individual) page.
- Previous ct license
- Previously held the same Connecticut license type within the year preceding application; C.G.S. § 38a-702e(f) permits the commissioner to waive the examination. An applicant must obtain the waiver; the currently offered examinations remain the requirement absent an approved waiver.
- Score age
- Apply within one year after passing the licensing examination, as stated by the Department FAQ dated April 6, 2026.
Nonresident amendment to add authority
- Application
- Apply through NIPR to amend the Connecticut license and pay amendment fees; Connecticut grants reciprocity.
- Home license
- Home-state license already includes the Property and/or Casualty authority to be added in Connecticut.
Official no-examination sources
Effective from 2026-09-22.
- Connecticut General Statutes Chapter 701a
C.G.S. § 38a-702g(a)
- Connecticut General Statutes Chapter 701a
C.G.S. § 38a-702n(a)
- Connecticut Insurance Department: Producer (Individual)
How to Amend Lines of Authority, Non-Residents
Nonresident initial licensure by reciprocity
- Application
- Submit proper request, fees and home-state application or completed uniform application through NIPR.
- Home license
- Currently licensed as a resident in good standing for the requested Property and Casualty authority in the home state.
- Reciprocity
- Home state awards nonresident producer licenses to Connecticut residents on the same basis.
Official no-examination sources
Effective from 2026-09-22.
- Connecticut General Statutes Chapter 701a
C.G.S. § 38a-702g(a)
- Connecticut General Statutes Chapter 701a
C.G.S. § 38a-702n(a)
- Connecticut Insurance Department: Producer (Individual)
How to Apply, Non-Residents
Nonresident reinstatement
- After one year
- After the late renewal period, apply for a new license through NIPR using active home-state licensure.
- Education
- No Connecticut continuing education is required.
- Home license
- Hold an active resident license for the corresponding Property/Casualty authority.
- Within one year
- During the one-year late renewal period, submit the late renewal application and fee.
Official no-examination sources
Effective from 2026-09-22.
- Connecticut General Statutes Chapter 701a
C.G.S. § 38a-702n(a)
- Connecticut General Statutes Chapter 701a
C.G.S. § 38a-702g(a)
- Connecticut Insurance Department: Producer (Individual)
How to Reinstate a License, Non-Residents
- Connecticut Insurance Department: Exam/Testing & Pre-Licensing
Nonresident Producers, reinstatement
Nonresident renewal
- Application
- Renew through NIPR and pay renewal fees.
- Education
- No Connecticut CE is required; reciprocal satisfaction of home-state CE is recognized by C.G.S. § 38a-702n(b).
- Home license
- Maintain an active home/resident-state Producer license for the corresponding authority.
Official no-examination sources
Effective from 2026-09-22.
- Connecticut General Statutes Chapter 701a
C.G.S. § 38a-702f(b)
- Connecticut General Statutes Chapter 701a
C.G.S. § 38a-702n(b)
- Connecticut Insurance Department: Producer (Individual)
How to Renew, Non-Residents
Resident initial licensure after the prior license transfer exemption expires
At least one of the following alternatives:
- Property and Casualty Producer (practice unavailable)
All of the following:
- Property Producer (practice unavailable)
- Connecticut Casualty Producer Examination
- Age
- At least 18 years old.
- Application
- Apply through NIPR after passing; pay required application and license fees; declare application statements true, correct and complete.
- Authority requested
- Both Property and Casualty lines of authority.
- Character
- No disqualifying acts under C.G.S. § 38a-702k; financially responsible and of good moral character.
- Education
- Complete approved prelicensing education: 20 hours for each line, 40 hours for Property/Casualty, or commissioner-approved equivalent experience/training. AAI, ARM, CIC or CPCU designation may waive coursework upon a current designation letter.
- Licensing scope
- A Certified Insurance Consultant examination does not qualify for a Producer license, as stated by the Department Producer (Individual) page.
- Prior license
- Previous resident license was cancelled more than 90 days ago; complete first-time prelicensing and examination requirements.
- Score age
- Apply within one year after passing the licensing examination, as stated by the Department FAQ dated April 6, 2026.
Resident amendment to add Casualty authority
- Application
- Pass the examination for the added line, wait 1–2 business days for electronic reporting, then amend through NIPR and pay the amendment fee.
- Education
- Complete 20 hours of approved prelicensing education for the added line or obtain a prelicensing waiver.
- Existing license
- Hold a Connecticut Producer license with Property authority and seek to add Casualty authority.
- Score age
- The Department states exam results are valid for one year.
Resident amendment to add Property authority
- Application
- Pass the examination for the added line, wait 1–2 business days for electronic reporting, then amend through NIPR and pay the amendment fee.
- Education
- Complete 20 hours of approved prelicensing education for the added line or obtain a prelicensing waiver.
- Existing license
- Hold a Connecticut Producer license with Casualty authority and seek to add Property authority.
- Score age
- The Department states exam results are valid for one year.
Resident licensure under the CPCU examination exemption
- Designation
- Awarded the Chartered Property and Casualty Underwriter (CPCU) designation.
- Documentation
- Apply through NIPR and submit a currently dated designation letter within 90 days to cid.licensing@ct.gov, identifying the NIPR transaction number; the Department implements the statutory examination waiver.
- Other qualifications
- Meet the age, character, application and fee requirements for a producer license.
Official no-examination sources
Effective from 2026-09-22.
- Connecticut General Statutes Chapter 701a
C.G.S. § 38a-702h(c)
- Connecticut Insurance Candidate Handbook
p. 5, Insurance Producer examination exemption, CPCU
- Connecticut Insurance Department: Producer (Individual)
Examination Waiver, eligible Property/Casualty designation
Resident initial licensure by examination
At least one of the following alternatives:
- Property and Casualty Producer (practice unavailable)
All of the following:
- Property Producer (practice unavailable)
- Connecticut Casualty Producer Examination
- Age
- At least 18 years old.
- Application
- Apply through NIPR after passing; pay required application and license fees; declare application statements true, correct and complete.
- Authority requested
- Both Property and Casualty lines of authority.
- Character
- No disqualifying acts under C.G.S. § 38a-702k; financially responsible and of good moral character.
- Education
- Complete approved prelicensing education: 20 hours for each line, 40 hours for Property/Casualty, or commissioner-approved equivalent experience/training. AAI, ARM, CIC or CPCU designation may waive coursework upon a current designation letter.
- Licensing scope
- A Certified Insurance Consultant examination does not qualify for a Producer license, as stated by the Department Producer (Individual) page.
- Score age
- Apply within one year after passing the licensing examination, as stated by the Department FAQ dated April 6, 2026.
Resident renewal with military or extenuating circumstance waiver
- Circumstances
- Military service or another extenuating circumstance, such as long-term medical disability, prevents compliance with renewal procedures.
- Renewal
- Continue under the producer renewal provisions, subject to the commissioner’s approved waiver.
- Waiver
- Request the commissioner’s waiver of renewal procedures and, when relevant, an examination requirement or fine/sanction; approval is discretionary.
Official no-examination sources
Effective from 2026-09-22.
- Connecticut General Statutes Chapter 701a
C.G.S. § 38a-702f(d)
- Connecticut General Statutes Chapter 701a
C.G.S. § 38a-702f(b)
- Connecticut General Statutes Chapter 702
C.G.S. § 38a-784(a)
Resident reinstatement after one year of expiration
At least one of the following alternatives:
- Property and Casualty Producer (practice unavailable)
All of the following:
- Property Producer (practice unavailable)
- Connecticut Casualty Producer Examination
- Age
- At least 18 years old.
- Application
- Apply through NIPR after passing; pay required application and license fees; declare application statements true, correct and complete.
- Authority requested
- Both Property and Casualty lines of authority.
- Character
- No disqualifying acts under C.G.S. § 38a-702k; financially responsible and of good moral character.
- Education
- Complete approved prelicensing education: 20 hours for each line, 40 hours for Property/Casualty, or commissioner-approved equivalent experience/training. AAI, ARM, CIC or CPCU designation may waive coursework upon a current designation letter.
- Expired license
- Expired for more than one year; complete the full prelicensing course and pass the licensing examination before reinstatement through NIPR.
- Licensing scope
- A Certified Insurance Consultant examination does not qualify for a Producer license, as stated by the Department Producer (Individual) page.
- Score age
- Apply within one year after passing the licensing examination, as stated by the Department FAQ dated April 6, 2026.
Resident reinstatement within twelve months
- Application
- Submit reinstatement through NIPR and pay the $160 renewal fee plus $160 late fee.
- Education
- Complete all required continuing education.
- Lapse
- Same producer license allowed to lapse; reinstate within twelve months after the renewal fee due date.
Official no-examination sources
Effective from 2026-09-22.
- Connecticut General Statutes Chapter 701a
C.G.S. § 38a-702f(c)
- Connecticut Insurance Department: Producer (Individual)
How to Reinstate a License, resident within one year
Resident renewal
- Application
- Renew through NIPR after CE reports compliant; fees and birth-month renewal deadline apply.
- Continuing education
- Resident Property/Casualty producers complete 24 credits per renewal period: 21 general and 3 laws/regulations/ethics.
- Flood training
- Effective April 15, 2026, complete the Department-approved one-time 3-credit NFIP flood insurance course before the next renewal; the credits count toward general continuing education.
Official no-examination sources
Effective from 2026-09-22.
- Connecticut General Statutes Chapter 701a
C.G.S. § 38a-702f(b)
- Connecticut General Statutes Chapter 702
C.G.S. § 38a-784(a)
- Connecticut General Statutes Chapter 702
C.G.S. § 38a-784(e)
- Connecticut Insurance Department: Producer (Individual)
Continuing Education, resident standard authority
- Connecticut Insurance Department: Producer (Individual)
Re-Implementation of Flood Insurance Training Requirement
- Connecticut Insurance Department: Producer (Individual)
How to Renew, submission after CE
Resident transfer while holding an active resident license elsewhere
- Board process
- The Department FAQ directs an active resident license holder to obtain a Connecticut nonresident license first, then submit the Residency Change Request to update it to resident status.
- Exception
- C.G.S. § 38a-702h(b) permits a regulatory exception; the current Department FAQ implements this transfer without a Connecticut examination.
- Prior authority
- Active resident producer license for the same Property and Casualty lines.
- Residency
- Apply within 90 days of establishing legal residence under C.G.S. § 38a-702h(b).
Official no-examination sources
Effective from 2026-09-22.
- Connecticut General Statutes Chapter 701a
C.G.S. § 38a-702h(b)
- Connecticut General Statutes Chapter 701a
C.G.S. § 38a-702g(a)
- Connecticut General Statutes Chapter 701a
C.G.S. § 38a-702n(a)
- Connecticut Insurance Department: Exam/Testing & Pre-Licensing
Transfer with active resident license
Resident licensure following recent cancellation of another resident license
- Application
- Apply through NIPR; no prelicensing education or Connecticut examination is required.
- Good standing
- Prior state certification or NAIC producer database establishes good standing at cancellation.
- Prior license
- Previously licensed for the same lines in the prior state; Connecticut application received within 90 days after cancellation.
Official no-examination sources
Effective from 2026-09-22.
- Connecticut General Statutes Chapter 701a
C.G.S. § 38a-702h(a)
- Connecticut Insurance Department: Exam/Testing & Pre-Licensing
Transfer from recently cancelled resident license
Connecticut Casualty Producer Examination
- Provider
- Pearson VUE
- Format
- Computer-delivered multiple-choice examination, scored as a whole
- Exam questions
- 50 scored and 5 pretest general-knowledge questions; 25 scoreable Connecticut-specific questions
- Time limit
- 2 hours
- Passing score
- 70%
- Exam fee
- $65
Examination outline
General knowledge: I. CASUALTY: TYPES OF POLICIES, BONDS, AND RELATED TERMS (23 scored questions)
- A. Commercial general liability
- A. Commercial general liability / 1. Exposures
- A. Commercial general liability / 1. Exposures / a. Premises and Operations
- A. Commercial general liability / 1. Exposures / b. Products and Completed Operations
- A. Commercial general liability / 2. Coverage
- A. Commercial general liability / 2. Coverage / a. Coverage A: Bodily Injury and Property Damage Liability (Occurrence, Claims made including Retroactive Date)
- A. Commercial general liability / 2. Coverage / b. Coverage B: Personal Injury and Advertising Injury
- A. Commercial general liability / 2. Coverage / c. Coverage C: Medical Payments
- A. Commercial general liability / 2. Coverage / d. Supplemental Payments
- A. Commercial general liability / 2. Coverage / e. Who is an insured
- A. Commercial general liability / 2. Coverage / f. First named insured
- A. Commercial general liability / 2. Coverage / g. Limits (Per occurrence, Annual Aggregate)
- A. Commercial general liability / 2. Coverage / h. Damage to Property of Others
- B. Automobile: personal auto and business auto
- B. Automobile: personal auto and business auto / 1. Liability
- B. Automobile: personal auto and business auto / 1. Liability / a. Bodily Injury
- B. Automobile: personal auto and business auto / 1. Liability / b. Property Damage
- B. Automobile: personal auto and business auto / 1. Liability / c. Split Limits
- B. Automobile: personal auto and business auto / 1. Liability / d. Combined Single Limit
- B. Automobile: personal auto and business auto / 2. Medical Payments
- B. Automobile: personal auto and business auto / 3. Physical Damage (collision; other than collision; specified perils)
- B. Automobile: personal auto and business auto / 4. Uninsured motorists
- B. Automobile: personal auto and business auto / 5. Underinsured motorists
- B. Automobile: personal auto and business auto / 6. Who is an insured
- B. Automobile: personal auto and business auto / 7. Types of Auto
- B. Automobile: personal auto and business auto / 7. Types of Auto / a. Owned
- B. Automobile: personal auto and business auto / 7. Types of Auto / b. Non-owned
- B. Automobile: personal auto and business auto / 7. Types of Auto / c. Hired
- B. Automobile: personal auto and business auto / 7. Types of Auto / d. Temporary Substitute
- B. Automobile: personal auto and business auto / 7. Types of Auto / e. Newly Acquired Autos
- B. Automobile: personal auto and business auto / 7. Types of Auto / f. Transportation Expense and Rental Reimbursement Expense
- B. Automobile: personal auto and business auto / 8. Auto Dealers Coverage Form, including Garagekeepers Insurance
- B. Automobile: personal auto and business auto / 9. Exclusions
- B. Automobile: personal auto and business auto / 10. Individual Named Insured and Drive Other Car (DOC)
- B. Automobile: personal auto and business auto / 11. Mobile equipment
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 1. Standard policy concepts
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 1. Standard policy concepts / a. Who is an employee/employer
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 1. Standard policy concepts / b. Compensation
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 2. Work-related vs. non-work-related
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 3. Other states’ insurance
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 4. Employers Liability
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 5. Exclusive remedy
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 6. Premium Determination
- D. Crime
- D. Crime / 1. Employee Dishonesty
- D. Crime / 2. Theft
- D. Crime / 3. Robbery
- D. Crime / 4. Burglary
- D. Crime / 5. Forgery and Alteration
- D. Crime / 6. Mysterious disappearance
- E. Bonds
- E. Bonds / 1. Surety
- E. Bonds / 2. Fidelity
- F. Professional liability
- F. Professional liability / 1. Errors and Omissions
- F. Professional liability / 2. Medical Malpractice
- F. Professional liability / 3. Directors and Officers (D&O)
- F. Professional liability / 4. Employment Practices Liability (EPLI)
- F. Professional liability / 5. Cyber liability and data breach, funds transfer
- F. Professional liability / 6. Liquor liability
- G. Umbrella/Excess Liability
- H. Business Owners Policy (BOP)
General knowledge: II. CASUALTY: INSURANCE TERMS AND RELATED CONCEPTS (15 scored questions)
- A. Risk
- B. Hazards
- B. Hazards / 1. Moral
- B. Hazards / 2. Morale
- B. Hazards / 3. Physical
- C. Indemnity
- D. Insurable interest
- E. Loss valuation
- E. Loss valuation / 1. Actual cash value
- E. Loss valuation / 2. Replacement cost
- E. Loss valuation / 3. Market value
- E. Loss valuation / 4. Stated/agreed value
- E. Loss valuation / 5. Salvage value
- F. Negligence
- G. Liability
- H. Occurrence
- I. Binders
- J. Warranties
- K. Representations
- L. Concealment
- M. Deposit Premium/Audit
- N. Certificate of Insurance
- O. Law of Large Numbers
- P. Pure vs. Speculative Risk
- Q. Endorsements
- R. Damages
- R. Damages / 1. Compensatory
- R. Damages / 1. Compensatory / a. General
- R. Damages / 1. Compensatory / b. Special
- R. Damages / 2. Punitive
- S. Compliance with provisions of Fair Credit Reporting Act
General knowledge: III. CASUALTY: POLICY PROVISIONS (12 scored questions)
- A. Declarations
- B. Insuring agreement
- C. Conditions
- D. Exclusions and Limitations
- E. Definition of the insured
- F. Duties of the insured after a loss
- G. Cancellation and nonrenewal provisions
- H. Supplementary payments
- I. Proof of loss
- J. Notice of claim
- K. Arbitration
- L. Other insurance
- M. Subrogation
- N. Loss settlement provisions including consent to settle a loss
- O. Terrorism Risk Insurance Act (TRIA)
Connecticut specific: I. CT STATUTES, RULES, AND REGULATIONS COMMON TO LIFE, ACCIDENT AND HEALTH, PROPERTY, AND CASUALTY INSURANCE (18 scored questions)
- A. Responsibilities of the Insurance Commissioner
- A. Responsibilities of the Insurance Commissioner / 1. General duties and powers
- A. Responsibilities of the Insurance Commissioner / 2. Examination of records
- A. Responsibilities of the Insurance Commissioner / 3. Hearings/notice of hearings
- A. Responsibilities of the Insurance Commissioner / 4. Penalties and fines
- A. Responsibilities of the Insurance Commissioner / 5. Cease and desist orders
- B. Definitions
- B. Definitions / 1. Insurance transaction
- B. Definitions / 2. Insurer
- B. Definitions / 3. Reinsurance
- B. Definitions / 4. Domestic, foreign, and alien companies
- B. Definitions / 5. Authorized and unauthorized companies / admitted and nonadmitted companies
- B. Definitions / 6. Stock and mutual companies, and reciprocals
- B. Definitions / 7. Risk retention group
- B. Definitions / 8. Certificate of authority
- C. Licensing
- C. Licensing / 1. Purpose
- C. Licensing / 2. Licensing Requirements
- C. Licensing / 2. Licensing Requirements / a. Producer
- C. Licensing / 2. Licensing Requirements / b. Agent
- C. Licensing / 2. Licensing Requirements / c. Broker
- C. Licensing / 2. Licensing Requirements / d. Resident/Nonresident
- C. Licensing / 2. Licensing Requirements / e. Temporary license
- C. Licensing / 3. Agent appointment/termination of contract
- C. Licensing / 4. Obtaining a license
- C. Licensing / 4. Obtaining a license / a. Qualifications
- C. Licensing / 4. Obtaining a license / b. Licenses fees and application
- C. Licensing / 4. Obtaining a license / c. Written examinations
- C. Licensing / 4. Obtaining a license / d. Exemptions/exceptions
- C. Licensing / 4. Obtaining a license / e. License denial
- C. Licensing / 5. Maintaining a license
- C. Licensing / 5. Maintaining a license / a. Continuing education
- C. Licensing / 5. Maintaining a license / b. Change of address/name change
- C. Licensing / 5. Maintaining a license / c. Fees/renewal
- C. Licensing / 5. Maintaining a license / d. License expiration
- C. Licensing / 5. Maintaining a license / e. Suspension or revocation of licenses
- D. Agent responsibilities
- D. Agent responsibilities / 1. Fiduciary capacity
- D. Agent responsibilities / 1. Fiduciary capacity / a. Premium accountability
- D. Agent responsibilities / 2. Disclosure
- D. Agent responsibilities / 3. Commissions and compensation/ charges for extra services
- E. Filing and approval of policy forms
- F. Connecticut Insurance Guaranty Association Act
- F. Connecticut Insurance Guaranty Association Act / 1. Brokered Transactions Guaranty Fund
- G. Marketing practices
- G. Marketing practices / 1. Responsibilities of the insurer
- G. Marketing practices / 2. Unfair claims practices
- G. Marketing practices / 3. Unfair trade practices
- G. Marketing practices / 3. Unfair trade practices / a. Rebating
- G. Marketing practices / 3. Unfair trade practices / b. Misrepresentation
- G. Marketing practices / 3. Unfair trade practices / c. False advertising
- G. Marketing practices / 3. Unfair trade practices / d. Defamation
- G. Marketing practices / 3. Unfair trade practices / e. False financial statements
- G. Marketing practices / 3. Unfair trade practices / f. Controlled business
- G. Marketing practices / 3. Unfair trade practices / g. Boycott, coercion, intimidation
- G. Marketing practices / 3. Unfair trade practices / h. Unfair discrimination
- G. Marketing practices / 3. Unfair trade practices / i. Coercion of borrower
- G. Marketing practices / 3. Unfair trade practices / j. Illegal inducement
- G. Marketing practices / 3. Unfair trade practices / k. Misrepresentation on applications
- G. Marketing practices / 3. Unfair trade practices / l. Twisting
- G. Marketing practices / 4. Return of premium
- H. Connecticut Insurance Information and Privacy Protection Act
Connecticut specific: II. STATE STATUTES, RULES AND REGULATIONS COMMON TO PROPERTY AND CASUALTY INSURANCE ONLY (3 scored questions)
- A. Premium Financing
- B. Insurance Contracts
- B. Insurance Contracts / 1. Renewal, Nonrenewal, Cancellation: Commercial, Homeowners, Personal Auto and Casualty Policies
- B. Insurance Contracts / 1. Renewal, Nonrenewal, Cancellation: Commercial, Homeowners, Personal Auto and Casualty Policies / a. Illegal declination, nonrenewal, and cancellation
- B. Insurance Contracts / 2. Binders
- C. Surplus Lines
Connecticut specific: III. STATE STATUTES, RULES, AND REGULATIONS PERTINENT TO CASUALTY INSURANCE ONLY (4 scored questions)
- A. Auto Insurance
- A. Auto Insurance / 1. Required coverages
- A. Auto Insurance / 2. Limits
- A. Auto Insurance / 3. Rates/rating information
- A. Auto Insurance / 4. Uninsured/underinsured Motorist law
- A. Auto Insurance / 4. Uninsured/underinsured Motorist law / a. Option for additional coverage
- A. Auto Insurance / 4. Uninsured/underinsured Motorist law / b. Insurer insolvency
- A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law
- A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law / a. Proof of financial responsibility defined
- A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law / b. Persons required to show proof
- A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law / c. Penalty for noncompliance
- A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law / d. Methods of satisfying financial responsibility
- B. Connecticut Auto Insurance Assigned Risk Plan
- B. Connecticut Auto Insurance Assigned Risk Plan / 1. Purpose
- B. Connecticut Auto Insurance Assigned Risk Plan / 2. Definitions
- B. Connecticut Auto Insurance Assigned Risk Plan / 3. Eligibility
- B. Connecticut Auto Insurance Assigned Risk Plan / 4. Insured’s participation
- B. Connecticut Auto Insurance Assigned Risk Plan / 5. Insurer’s participation
- B. Connecticut Auto Insurance Assigned Risk Plan / 6. Coverage and options
- B. Connecticut Auto Insurance Assigned Risk Plan / 7. Collection of placement fee
- C. Connecticut Worker’s Compensation Law
- C. Connecticut Worker’s Compensation Law / 1. Definitions
- C. Connecticut Worker’s Compensation Law / 1. Definitions / a. Employer
- C. Connecticut Worker’s Compensation Law / 1. Definitions / b. Employee
- C. Connecticut Worker’s Compensation Law / 2. Employments covered/excluded
- C. Connecticut Worker’s Compensation Law / 3. Benefits provided
- C. Connecticut Worker’s Compensation Law / 3. Benefits provided / a. Minimum duration of incapacity
- C. Connecticut Worker’s Compensation Law / 3. Benefits provided / b. Medical Benefits required
- C. Connecticut Worker’s Compensation Law / 3. Benefits provided / c. Compensation for total disability
- C. Connecticut Worker’s Compensation Law / 3. Benefits provided / d. Compensation for partial disability
- C. Connecticut Worker’s Compensation Law / 3. Benefits provided / e. Survivorship benefits
- C. Connecticut Worker’s Compensation Law / 3. Benefits provided / f. Burial expenses
- C. Connecticut Worker’s Compensation Law / 4. Second injury fund
- C. Connecticut Worker’s Compensation Law / 5. Claims procedures
Examination sources
- Connecticut Insurance Content Outlines
Cover, content-outline effective date
- Connecticut Insurance Candidate Handbook
Printed p. 13, scoring boundary
- Connecticut Insurance Candidate Handbook
Printed p. 7, exam identity 12-CT-20
- Connecticut Insurance Content Outlines
Printed p. 17, Casualty Producer, general outline, section I
- Connecticut Insurance Content Outlines
Printed p. 18, Casualty Producer, general outline, section II
- Connecticut Insurance Content Outlines
Printed p. 18–19, Casualty Producer, general outline, section III
- Connecticut Insurance Content Outlines
Printed p. 19–20, Casualty Producer, connecticut outline, section I
- Connecticut Insurance Content Outlines
Printed p. 20, Casualty Producer, connecticut outline, section II
- Connecticut Insurance Content Outlines
Printed p. 20, Casualty Producer, connecticut outline, section III
- Connecticut Insurance Content Outlines
Printed p. 17, Casualty Producer general outline heading
- Connecticut Insurance Content Outlines
Printed p. 19, Casualty Producer Connecticut Specific heading
- Connecticut Insurance Candidate Handbook
Printed p. 12, About the Exam, format
- Connecticut Insurance Candidate Handbook
Printed p. 13, Score Explanation
- Connecticut Insurance Candidate Handbook
Printed p. 13, Retaking an Exam, whole examination scoring
- Connecticut Insurance Candidate Handbook
Printed p. 7, examination reservation row 12-CT-20
- Connecticut Insurance Candidate Handbook
Printed p. 13, Retaking an Exam
Property and Casualty Producer
- Provider
- Pearson VUE
- Format
- Computer-delivered multiple-choice examination, scored as a whole
- Exam questions
- 100 scored and 10 pretest general-knowledge questions; 30 scoreable and 5 pretest Connecticut-specific questions
- Time limit
- 2.5 hours
- Passing score
- 70%
- Exam fee
- $105
Examination outline
General knowledge: I. PROPERTY: TYPES OF POLICIES (22 scored questions)
- A. Homeowners
- A. Homeowners / 1. HO-2
- A. Homeowners / 2. HO-3
- A. Homeowners / 3. HO-4
- A. Homeowners / 4. HO-5
- A. Homeowners / 5. HO-6
- A. Homeowners / 6. HO-8
- B. Dwelling policies
- B. Dwelling policies / 1. DP-1
- B. Dwelling policies / 2. DP-2
- B. Dwelling policies / 3. DP-3
- C. Commercial lines
- C. Commercial lines / 1. Commercial Package Policy (CPP)
- C. Commercial lines / 2. Commercial property
- C. Commercial lines / 2. Commercial property / a. Commercial building and business personal property form
- C. Commercial lines / 2. Commercial property / b. Causes of loss forms
- C. Commercial lines / 2. Commercial property / c. Business income
- C. Commercial lines / 2. Commercial property / d. Extra expense
- C. Commercial lines / 2. Commercial property / e. Equipment breakdown
- C. Commercial lines / 3. Business Owners Policy (BOP)
- C. Commercial lines / 4. Builders Risk
- C. Commercial lines / 5. Cyber First-Party Coverage
- D. Inland marine
- D. Inland marine / 1. Personal Articles floaters
- D. Inland marine / 2. Commercial Property floaters
- E. National Flood Insurance Program
- F. Others
- F. Others / 1. Earthquake
- F. Others / 2. Mobile Homes
- F. Others / 3. Watercraft
- F. Others / 4. Farm Owners
- F. Others / 5. Windstorm
General knowledge: II. PROPERTY: INSURANCE TERMS AND RELATED CONCEPTS (15 scored questions)
- A. Insurance
- A. Insurance / 1. Law of Large Numbers
- B. Insurable interest
- C. Risk
- C. Risk / 1. Pure vs. Speculative Risk
- D. Hazard
- D. Hazard / 1. Moral
- D. Hazard / 2. Morale
- D. Hazard / 3. Physical
- E. Peril
- F. Loss
- F. Loss / 1. Direct
- F. Loss / 2. Indirect
- G. Loss Valuation
- G. Loss Valuation / 1. Actual cash value
- G. Loss Valuation / 2. Replacement cost
- G. Loss Valuation / 3. Market value
- G. Loss Valuation / 4. Stated/agreed value
- G. Loss Valuation / 5. Salvage value
- H. Proximate cause
- I. Deductible
- J. Indemnity
- K. Limits of liability
- L. Coinsurance/Insurance to value
- M. Occurrence
- N. Cancellation
- O. Nonrenewal
- P. Vacancy and unoccupancy
- Q. Liability
- Q. Liability / 1. Absolute
- Q. Liability / 2. Strict
- Q. Liability / 3. Vicarious
- R. Negligence
- S. Binder
- T. Endorsements
- U. Blanket vs. Specific
General knowledge: III. PROPERTY: POLICY PROVISIONS AND CONTRACT LAW (13 scored questions)
- A. Declarations
- B. Insuring agreement
- C. Conditions
- D. Exclusions
- E. Definition of the insured
- F. Duties of the insured
- G. Obligations of the insurance company
- H. Mortgagee rights
- I. Proof of loss
- J. Notice of claim
- K. Appraisal
- L. Other Insurance Provision
- M. Subrogation
- N. Elements of a contract
- O. Warranties, representations, and concealment
- P. Sources of underwriting information
- Q. Fair Credit Reporting Act
- R. Privacy Protection (Gramm Leach Bliley)
- S. Policy Application
- T. Terrorism Risk Insurance Act (TRIA)
- U. Territory
General knowledge: IV. CASUALTY: TYPES OF POLICIES, BONDS, AND RELATED TERMS (23 scored questions)
- A. Commercial general liability
- A. Commercial general liability / 1. Exposures
- A. Commercial general liability / 1. Exposures / a. Premises and Operations
- A. Commercial general liability / 1. Exposures / b. Products and Completed Operations
- A. Commercial general liability / 2. Coverage
- A. Commercial general liability / 2. Coverage / a. Coverage A: Bodily Injury and Property Damage Liability (Occurrence, Claims made including Retroactive Date)
- A. Commercial general liability / 2. Coverage / b. Coverage B: Personal Injury and Advertising Injury
- A. Commercial general liability / 2. Coverage / c. Coverage C: Medical Payments
- A. Commercial general liability / 2. Coverage / d. Supplemental Payments
- A. Commercial general liability / 2. Coverage / e. Who is an insured
- A. Commercial general liability / 2. Coverage / f. First named insured
- A. Commercial general liability / 2. Coverage / g. Limits (Per occurrence, Annual Aggregate)
- A. Commercial general liability / 2. Coverage / h. Damage to Property of Others
- B. Automobile: personal auto and business auto
- B. Automobile: personal auto and business auto / 1. Liability
- B. Automobile: personal auto and business auto / 1. Liability / a. Bodily Injury
- B. Automobile: personal auto and business auto / 1. Liability / b. Property Damage
- B. Automobile: personal auto and business auto / 1. Liability / c. Split Limits
- B. Automobile: personal auto and business auto / 1. Liability / d. Combined Single Limit
- B. Automobile: personal auto and business auto / 2. Medical Payments
- B. Automobile: personal auto and business auto / 3. Physical Damage (collision; other than collision; specified perils)
- B. Automobile: personal auto and business auto / 4. Uninsured motorists
- B. Automobile: personal auto and business auto / 5. Underinsured motorists
- B. Automobile: personal auto and business auto / 6. Who is an insured
- B. Automobile: personal auto and business auto / 7. Types of Auto
- B. Automobile: personal auto and business auto / 7. Types of Auto / a. Owned
- B. Automobile: personal auto and business auto / 7. Types of Auto / b. Non-owned
- B. Automobile: personal auto and business auto / 7. Types of Auto / c. Hired
- B. Automobile: personal auto and business auto / 7. Types of Auto / d. Temporary Substitute
- B. Automobile: personal auto and business auto / 7. Types of Auto / e. Newly Acquired Autos
- B. Automobile: personal auto and business auto / 7. Types of Auto / f. Transportation Expense and Rental Reimbursement Expense
- B. Automobile: personal auto and business auto / 8. Auto Dealers Coverage Form, including Garagekeepers Insurance
- B. Automobile: personal auto and business auto / 9. Exclusions
- B. Automobile: personal auto and business auto / 10. Individual Named Insured and Drive Other Car (DOC)
- B. Automobile: personal auto and business auto / 11. Mobile equipment
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 1. Standard policy concepts
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 1. Standard policy concepts / a. Who is an employee/employer
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 1. Standard policy concepts / b. Compensation
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 2. Work-related vs. non-work-related
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 3. Other states’ insurance
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 4. Employers Liability
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 5. Exclusive remedy
- C. Workers Compensation Insurance, Employers Liability Insurance, and Related Issues / 6. Premium Determination
- D. Crime
- D. Crime / 1. Employee Dishonesty
- D. Crime / 2. Theft
- D. Crime / 3. Robbery
- D. Crime / 4. Burglary
- D. Crime / 5. Forgery and Alteration
- D. Crime / 6. Mysterious disappearance
- E. Bonds
- E. Bonds / 1. Surety
- E. Bonds / 2. Fidelity
- F. Professional liability
- F. Professional liability / 1. Errors and Omissions
- F. Professional liability / 2. Medical Malpractice
- F. Professional liability / 3. Directors and Officers (D&O)
- F. Professional liability / 4. Employment Practices Liability (EPLI)
- F. Professional liability / 5. Cyber liability and data breach, funds transfer
- F. Professional liability / 6. Liquor liability
- G. Umbrella/Excess Liability
- H. Business Owners Policy (BOP)
General knowledge: V. CASUALTY: INSURANCE TERMS AND RELATED CONCEPTS (15 scored questions)
- A. Risk
- B. Hazards
- B. Hazards / 1. Moral
- B. Hazards / 2. Morale
- B. Hazards / 3. Physical
- C. Indemnity
- D. Insurable interest
- E. Loss valuation
- E. Loss valuation / 1. Actual cash value
- E. Loss valuation / 2. Replacement cost
- E. Loss valuation / 3. Market value
- E. Loss valuation / 4. Stated/agreed value
- E. Loss valuation / 5. Salvage value
- F. Negligence
- G. Liability
- H. Occurrence
- I. Binders
- J. Warranties
- K. Representations
- L. Concealment
- M. Deposit Premium/Audit
- N. Certificate of Insurance
- O. Law of Large Numbers
- P. Pure vs. Speculative Risk
- Q. Endorsements
- R. Damages
- R. Damages / 1. Compensatory
- R. Damages / 1. Compensatory / a. General
- R. Damages / 1. Compensatory / b. Special
- R. Damages / 2. Punitive
- S. Compliance with provisions of Fair Credit Reporting Act
General knowledge: VI. CASUALTY: POLICY PROVISIONS (12 scored questions)
- A. Declarations
- B. Insuring agreement
- C. Conditions
- D. Exclusions and Limitations
- E. Definition of the insured
- F. Duties of the insured after a loss
- G. Cancellation and nonrenewal provisions
- H. Supplementary payments
- I. Proof of loss
- J. Notice of claim
- K. Other insurance
- L. Subrogation
- M. Loss settlement provisions including consent to settle a loss
- N. Terrorism Risk Insurance Act (TRIA)
Connecticut specific: I. CT STATUTES, RULES, AND REGULATIONS COMMON TO LIFE, ACCIDENT AND HEALTH, PROPERTY, AND CASUALTY INSURANCE (18 scored questions)
- A. Responsibilities of the Insurance Commissioner
- A. Responsibilities of the Insurance Commissioner / 1. General duties and powers
- A. Responsibilities of the Insurance Commissioner / 2. Examination of records
- A. Responsibilities of the Insurance Commissioner / 3. Hearings/notice of hearings
- A. Responsibilities of the Insurance Commissioner / 4. Penalties and fines
- A. Responsibilities of the Insurance Commissioner / 5. Cease and desist orders
- B. Definitions
- B. Definitions / 1. Insurance transaction
- B. Definitions / 2. Insurer
- B. Definitions / 3. Reinsurance
- B. Definitions / 4. Domestic, foreign, and alien companies
- B. Definitions / 5. Authorized and unauthorized companies / admitted and nonadmitted companies
- B. Definitions / 6. Stock and mutual companies, and reciprocals
- B. Definitions / 7. Risk retention group
- B. Definitions / 8. Certificate of authority
- C. Licensing
- C. Licensing / 1. Purpose
- C. Licensing / 2. Licensing Requirements
- C. Licensing / 2. Licensing Requirements / a. Producer
- C. Licensing / 2. Licensing Requirements / b. Agent
- C. Licensing / 2. Licensing Requirements / c. Broker
- C. Licensing / 2. Licensing Requirements / d. Resident/Nonresident
- C. Licensing / 2. Licensing Requirements / e. Temporary license
- C. Licensing / 3. Agent appointment/termination of contract
- C. Licensing / 4. Obtaining a license
- C. Licensing / 4. Obtaining a license / a. Qualifications
- C. Licensing / 4. Obtaining a license / b. Licenses fees and application
- C. Licensing / 4. Obtaining a license / c. Written examinations
- C. Licensing / 4. Obtaining a license / d. Exemptions/exceptions
- C. Licensing / 4. Obtaining a license / e. License denial
- C. Licensing / 5. Maintaining a license
- C. Licensing / 5. Maintaining a license / a. Continuing education
- C. Licensing / 5. Maintaining a license / b. Change of address/name change
- C. Licensing / 5. Maintaining a license / c. Fees/renewal
- C. Licensing / 5. Maintaining a license / d. License expiration
- C. Licensing / 5. Maintaining a license / e. Suspension or revocation of licenses
- D. Agent responsibilities
- D. Agent responsibilities / 1. Fiduciary capacity
- D. Agent responsibilities / 1. Fiduciary capacity / a. Premium accountability
- D. Agent responsibilities / 2. Disclosure
- D. Agent responsibilities / 3. Commissions and compensation/ charges for extra services
- E. Filing and approval of policy forms
- F. Connecticut Insurance Guaranty Association Act
- F. Connecticut Insurance Guaranty Association Act / 1. Brokered Transactions Guaranty Fund
- G. Marketing practices
- G. Marketing practices / 1. Responsibilities of the insurer
- G. Marketing practices / 2. Unfair claims practices
- G. Marketing practices / 3. Unfair trade practices
- G. Marketing practices / 3. Unfair trade practices / a. Rebating
- G. Marketing practices / 3. Unfair trade practices / b. Misrepresentation
- G. Marketing practices / 3. Unfair trade practices / c. False advertising
- G. Marketing practices / 3. Unfair trade practices / d. Defamation
- G. Marketing practices / 3. Unfair trade practices / e. False financial statements
- G. Marketing practices / 3. Unfair trade practices / f. Controlled business
- G. Marketing practices / 3. Unfair trade practices / g. Boycott, coercion, intimidation
- G. Marketing practices / 3. Unfair trade practices / h. Unfair discrimination
- G. Marketing practices / 3. Unfair trade practices / i. Coercion of borrower
- G. Marketing practices / 3. Unfair trade practices / j. Illegal inducement
- G. Marketing practices / 3. Unfair trade practices / k. Misrepresentation on applications
- G. Marketing practices / 3. Unfair trade practices / l. Twisting
- G. Marketing practices / 4. Return of premium
- H. Connecticut Insurance Information and Privacy Protection Act
Connecticut specific: II. STATE STATUTES, RULES AND REGULATIONS COMMON TO PROPERTY AND CASUALTY INSURANCE ONLY (3 scored questions)
- B. Premium Financing
- B. Insurance Contracts
- B. Insurance Contracts / 1. Renewal, Nonrenewal, Cancellation: Commercial, Homeowners, Personal Auto and Casualty Policies
- B. Insurance Contracts / 1. Renewal, Nonrenewal, Cancellation: Commercial, Homeowners, Personal Auto and Casualty Policies / a. Illegal declination, nonrenewal, and cancellation
- B. Insurance Contracts / 2. Binders
- C. Surplus Lines
Connecticut specific: III. STATE STATUTES, RULES AND REGULATIONS PERTINENT TO PROPERTY INSURANCE ONLY (4 scored questions)
- A. Connecticut Insurance Placement Facility/ FAIR Plan
- A. Connecticut Insurance Placement Facility/ FAIR Plan / 1. Purpose
- A. Connecticut Insurance Placement Facility/ FAIR Plan / 2. Definitions
- A. Connecticut Insurance Placement Facility/ FAIR Plan / 3. Procedures
- A. Connecticut Insurance Placement Facility/ FAIR Plan / 4. Eligibility
- A. Connecticut Insurance Placement Facility/ FAIR Plan / 5. Coverages Available
- A. Connecticut Insurance Placement Facility/ FAIR Plan / 6. Limits of Coverage
- A. Connecticut Insurance Placement Facility/ FAIR Plan / 7. Effective Date of Coverage
- A. Connecticut Insurance Placement Facility/ FAIR Plan / 8. Binding Authority of Agents or Borders
- B. Standard Fire Policy
- C. Flood Insurance
- D. Inland marine
Connecticut specific: IV. STATE STATUTES, RULES, AND REGULATIONS PERTINENT TO CASUALTY INSURANCE ONLY (5 scored questions)
- A. Auto Insurance
- A. Auto Insurance / 1. Required coverages
- A. Auto Insurance / 2. Limits
- A. Auto Insurance / 3. Rates/rating information
- A. Auto Insurance / 4. Uninsured/underinsured Motorist law
- A. Auto Insurance / 4. Uninsured/underinsured Motorist law / a. Option for additional coverage
- A. Auto Insurance / 4. Uninsured/underinsured Motorist law / b. Insurer insolvency
- A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law
- A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law / a. Proof of financial responsibility defined
- A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law / b. Persons required to show proof
- A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law / c. Penalty for noncompliance
- A. Auto Insurance / 5. Connecticut Motor Vehicle Financial Responsibility law / d. Methods of satisfying financial responsibility
- B. Connecticut Auto Insurance Assigned Risk Plan
- B. Connecticut Auto Insurance Assigned Risk Plan / 1. Purpose
- B. Connecticut Auto Insurance Assigned Risk Plan / 2. Definitions
- B. Connecticut Auto Insurance Assigned Risk Plan / 3. Eligibility
- B. Connecticut Auto Insurance Assigned Risk Plan / 4. Insured’s participation
- B. Connecticut Auto Insurance Assigned Risk Plan / 5. Insurer’s participation
- B. Connecticut Auto Insurance Assigned Risk Plan / 6. Coverage and options
- B. Connecticut Auto Insurance Assigned Risk Plan / 7. Collection of placement fee
- C. Connecticut Worker’s Compensation Law
- C. Connecticut Worker’s Compensation Law / 1. Definitions
- C. Connecticut Worker’s Compensation Law / 1. Definitions / a. Employer
- C. Connecticut Worker’s Compensation Law / 1. Definitions / b. Employee
- C. Connecticut Worker’s Compensation Law / 2. Employments covered/excluded
- C. Connecticut Worker’s Compensation Law / 3. Benefits provided
- C. Connecticut Worker’s Compensation Law / 3. Benefits provided / a. Minimum duration of incapacity
- C. Connecticut Worker’s Compensation Law / 3. Benefits provided / b. Medical Benefits required
- C. Connecticut Worker’s Compensation Law / 3. Benefits provided / c. Compensation for total disability
- C. Connecticut Worker’s Compensation Law / 3. Benefits provided / d. Compensation for partial disability
- C. Connecticut Worker’s Compensation Law / 3. Benefits provided / e. Survivorship benefits
- C. Connecticut Worker’s Compensation Law / 3. Benefits provided / f. Burial expenses
- C. Connecticut Worker’s Compensation Law / 4. Second injury fund
- C. Connecticut Worker’s Compensation Law / 5. Claims procedures
Examination sources
- Connecticut Insurance Content Outlines
Cover, content-outline effective date
- Connecticut Insurance Candidate Handbook
Printed p. 13, scoring boundary
- Connecticut Insurance Candidate Handbook
Printed p. 7, exam identity 12-CT-04
- Connecticut Insurance Content Outlines
Printed p. 20–21, Property and Casualty Producer, general outline, section I
- Connecticut Insurance Content Outlines
Printed p. 21, Property and Casualty Producer, general outline, section II
- Connecticut Insurance Content Outlines
Printed p. 21–22, Property and Casualty Producer, general outline, section III
- Connecticut Insurance Content Outlines
Printed p. 21–22, Property and Casualty Producer, general outline, section IV
- Connecticut Insurance Content Outlines
Printed p. 22, Property and Casualty Producer, general outline, section V
- Connecticut Insurance Content Outlines
Printed p. 22, Property and Casualty Producer, general outline, section VI
- Connecticut Insurance Content Outlines
Printed p. 22–23, Property and Casualty Producer, connecticut outline, section I
- Connecticut Insurance Content Outlines
Printed p. 23, Property and Casualty Producer, connecticut outline, section II
- Connecticut Insurance Content Outlines
Printed p. 23, Property and Casualty Producer, connecticut outline, section III
- Connecticut Insurance Content Outlines
Printed p. 23–24, Property and Casualty Producer, connecticut outline, section IV
- Connecticut Insurance Content Outlines
Printed p. 20, Property and Casualty Producer general outline heading
- Connecticut Insurance Content Outlines
Printed p. 22, Property and Casualty Producer Connecticut Specific heading
- Connecticut Insurance Candidate Handbook
Printed p. 12, About the Exam, format
- Connecticut Insurance Candidate Handbook
Printed p. 13, Score Explanation
- Connecticut Insurance Candidate Handbook
Printed p. 13, Retaking an Exam, whole examination scoring
- Connecticut Insurance Candidate Handbook
Printed p. 7, examination reservation row 12-CT-04
- Connecticut Insurance Candidate Handbook
Printed p. 13, Retaking an Exam
Property Producer
- Provider
- Pearson VUE
- Format
- Multiple-choice, one examination scored as a whole
- Exam questions
- 50 scored general knowledge questions plus 5 pretest questions; 25 scored Connecticut-specific questions
- Time limit
- 2 hours
- Passing score
- 70%
- Exam fee
- $65
Examination outline
General knowledge: I. PROPERTY: TYPES OF POLICIES (22 scored questions)
- A. Homeowners
- A. Homeowners / 1. HO-2
- A. Homeowners / 2. HO-3
- A. Homeowners / 3. HO-4
- A. Homeowners / 4. HO-5
- A. Homeowners / 5. HO-6
- A. Homeowners / 6. HO-8
- B. Dwelling policies
- B. Dwelling policies / 1. DP-1
- B. Dwelling policies / 2. DP-2
- B. Dwelling policies / 3. DP-3
- C. Commercial lines
- C. Commercial lines / 1. Commercial Package Policy (CPP)
- C. Commercial lines / 2. Commercial property
- C. Commercial lines / 2. Commercial property / a. Commercial building and business personal property form
- C. Commercial lines / 2. Commercial property / b. Causes of loss forms
- C. Commercial lines / 2. Commercial property / c. Business income
- C. Commercial lines / 2. Commercial property / d. Extra expense
- C. Commercial lines / 2. Commercial property / e. Equipment breakdown
- C. Commercial lines / 3. Business Owners Policy (BOP)
- C. Commercial lines / 4. Builders Risk
- C. Commercial lines / 5. Cyber First-Party Coverage
- D. Inland marine
- D. Inland marine / 1. Personal Articles floaters
- D. Inland marine / 2. Commercial Property floaters
- E. National Flood Insurance Program
- F. Others
- F. Others / 1. Earthquake
- F. Others / 2. Mobile Homes
- F. Others / 3. Watercraft
- F. Others / 4. Farm Owners
- F. Others / 5. Windstorm
General knowledge: II. PROPERTY: INSURANCE TERMS AND RELATED CONCEPTS (15 scored questions)
- A. Insurance
- A. Insurance / 1. Law of Large Numbers
- B. Insurable interest
- C. Risk
- C. Risk / 1. Pure vs. Speculative Risk
- D. Hazard
- D. Hazard / 1. Moral
- D. Hazard / 2. Morale
- D. Hazard / 3. Physical
- E. Peril
- F. Loss
- F. Loss / 1. Direct
- F. Loss / 2. Indirect
- G. Loss Valuation
- G. Loss Valuation / 1. Actual cash value
- G. Loss Valuation / 2. Replacement cost
- G. Loss Valuation / 3. Market value
- G. Loss Valuation / 4. Stated/agreed value
- G. Loss Valuation / 5. Salvage value
- H. Proximate cause
- I. Deductible
- J. Indemnity
- K. Limits of liability
- L. Coinsurance/Insurance to value
- M. Occurrence
- N. Cancellation
- O. Nonrenewal
- P. Vacancy and unoccupancy
- Q. Liability
- Q. Liability / 1. Absolute
- Q. Liability / 2. Strict
- Q. Liability / 3. Vicarious
- R. Negligence
- S. Binder
- T. Endorsements
- U. Blanket vs. Specific
General knowledge: III. PROPERTY: POLICY PROVISIONS AND CONTRACT LAW (13 scored questions)
- A. Declarations
- B. Insuring agreement
- C. Conditions
- D. Exclusions
- E. Definition of the insured
- F. Duties of the insured
- G. Obligations of the insurance company
- H. Mortgagee rights
- I. Proof of loss
- J. Notice of claim
- K. Appraisal
- L. Other Insurance Provision
- M. Subrogation
- N. Elements of a contract
- O. Warranties, representations, and concealment
- P. Sources of underwriting information
- Q. Fair Credit Reporting Act
- R. Privacy Protection (Gramm Leach Bliley)
- S. Policy Application
- T. Terrorism Risk Insurance Act (TRIA)
- U. Territory
Connecticut specific: I. CT STATUTES, RULES, AND REGULATIONS COMMON TO LIFE, ACCIDENT AND HEALTH, PROPERTY, AND CASUALTY INSURANCE (18 scored questions)
- A. Responsibilities of the Insurance Commissioner
- A. Responsibilities of the Insurance Commissioner / 1. General duties and powers
- A. Responsibilities of the Insurance Commissioner / 2. Examination of records
- A. Responsibilities of the Insurance Commissioner / 3. Hearings/notice of hearings
- A. Responsibilities of the Insurance Commissioner / 4. Penalties and fines
- A. Responsibilities of the Insurance Commissioner / 5. Cease and desist orders
- B. Definitions
- B. Definitions / 1. Insurance transaction
- B. Definitions / 2. Insurer
- B. Definitions / 3. Reinsurance
- B. Definitions / 4. Domestic, foreign, and alien companies
- B. Definitions / 5. Authorized and unauthorized companies / admitted and nonadmitted companies
- B. Definitions / 6. Stock and mutual companies, and reciprocals
- B. Definitions / 7. Risk retention group
- B. Definitions / 8. Certificate of authority
- C. Licensing
- C. Licensing / 1. Purpose
- C. Licensing / 2. Licensing Requirements
- C. Licensing / 2. Licensing Requirements / a. Producer
- C. Licensing / 2. Licensing Requirements / b. Agent
- C. Licensing / 2. Licensing Requirements / c. Broker
- C. Licensing / 2. Licensing Requirements / d. Resident/Nonresident
- C. Licensing / 2. Licensing Requirements / e. Temporary license
- C. Licensing / 3. Agent appointment/termination of contract
- C. Licensing / 4. Obtaining a license
- C. Licensing / 4. Obtaining a license / a. Qualifications
- C. Licensing / 4. Obtaining a license / b. Licenses fees and application
- C. Licensing / 4. Obtaining a license / c. Written examinations
- C. Licensing / 4. Obtaining a license / d. Exemptions/exceptions
- C. Licensing / 4. Obtaining a license / e. License denial
- C. Licensing / 5. Maintaining a license
- C. Licensing / 5. Maintaining a license / a. Continuing education
- C. Licensing / 5. Maintaining a license / b. Change of address/name change
- C. Licensing / 5. Maintaining a license / c. Fees/renewal
- C. Licensing / 5. Maintaining a license / d. License expiration
- C. Licensing / 5. Maintaining a license / e. Suspension or revocation of licenses
- D. Agent responsibilities
- D. Agent responsibilities / 1. Fiduciary capacity
- D. Agent responsibilities / 1. Fiduciary capacity / a. Premium accountability
- D. Agent responsibilities / 2. Disclosure
- D. Agent responsibilities / 3. Commissions and compensation/ charges for extra services
- D. Filing and approval of policy forms
- F. Connecticut Insurance Guaranty Association Act
- F. Connecticut Insurance Guaranty Association Act / 1. Brokered Transactions Guaranty Fund
- G. Marketing practices
- G. Marketing practices / 1. Responsibilities of the insurer
- G. Marketing practices / 2. Unfair claims practices
- G. Marketing practices / 3. Unfair trade practices
- G. Marketing practices / 3. Unfair trade practices / a. Rebating
- G. Marketing practices / 3. Unfair trade practices / b. Misrepresentation
- G. Marketing practices / 3. Unfair trade practices / c. False advertising
- G. Marketing practices / 3. Unfair trade practices / d. Defamation
- G. Marketing practices / 3. Unfair trade practices / e. False financial statements
- G. Marketing practices / 3. Unfair trade practices / f. Controlled business
- G. Marketing practices / 3. Unfair trade practices / g. Boycott, coercion, intimidation
- G. Marketing practices / 3. Unfair trade practices / h. Unfair discrimination
- G. Marketing practices / 3. Unfair trade practices / i. Coercion of borrower
- G. Marketing practices / 3. Unfair trade practices / j. Illegal inducement
- G. Marketing practices / 3. Unfair trade practices / k. Misrepresentation on applications
- G. Marketing practices / 3. Unfair trade practices / l. Twisting
- G. Marketing practices / 4. Return of premium
- H. Connecticut Insurance Information and Privacy Protection Act
Connecticut specific: II. STATE STATUTES, RULES AND REGULATIONS COMMON TO PROPERTY AND CASUALTY INSURANCE ONLY (3 scored questions)
- A. Premium Financing
- B. Insurance Contracts
- B. Insurance Contracts / 1. Renewal, Nonrenewal, Cancellation: Commercial, Homeowners, Personal Auto and Casualty Policies
- B. Insurance Contracts / 1. Renewal, Nonrenewal, Cancellation: Commercial, Homeowners, Personal Auto and Casualty Policies / a. Illegal declination, nonrenewal, and cancellation
- B. Insurance Contracts / 2. Binders
- C. Surplus Lines
Connecticut specific: III. STATE STATUTES, RULES AND REGULATIONS PERTINENT TO PROPERTY INSURANCE ONLY (4 scored questions)
- A. Connecticut Insurance Placement Facility/ FAIR Plan
- A. Connecticut Insurance Placement Facility/ FAIR Plan / 1. Purpose
- A. Connecticut Insurance Placement Facility/ FAIR Plan / 2. Definitions
- A. Connecticut Insurance Placement Facility/ FAIR Plan / 3. Procedures
- A. Connecticut Insurance Placement Facility/ FAIR Plan / 4. Eligibility
- A. Connecticut Insurance Placement Facility/ FAIR Plan / 5. Coverages Available
- A. Connecticut Insurance Placement Facility/ FAIR Plan / 6. Limits of Coverage
- A. Connecticut Insurance Placement Facility/ FAIR Plan / 7. Effective Date of Coverage
- A. Connecticut Insurance Placement Facility/ FAIR Plan / 8. Binding Authority of Agents or Borders
- B. Standard Fire Policy
- C. Flood Insurance
- D. Inland marine
Examination sources
- Connecticut Insurance Content Outlines
Cover, content outline effective date
- Connecticut Insurance Content Outlines
p. 15, Property Producer General Knowledge heading and scored/pretest count
- Connecticut Insurance Candidate Handbook
p. 15, Content Outlines and completeness
- Connecticut Insurance Content Outlines
p. 16, Property Producer Connecticut Specific heading, first published section
- Connecticut Insurance Content Outlines
p. 15, Property Producer General Knowledge question count
- Connecticut Insurance Content Outlines
p. 16, Property Producer Connecticut Specific question count
- Connecticut Insurance Candidate Handbook
p. 12, About the Exam, question format
- Connecticut Insurance Candidate Handbook
p. 15, Preparing for the Exam, scoring
- Connecticut Insurance Candidate Handbook
p. 13, Retaking an Exam, one examination result
- Connecticut Insurance Candidate Handbook
p. 13, Score Explanation, producer passing score
- Connecticut Insurance Candidate Handbook
p. 7, Available Exams and Fees, 12-CT-19 row
- Connecticut Insurance Candidate Handbook
p. 7, Exam Reservations, selecting the examination